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Paytm Payments Bank: पेटीएम से हुई क्या भूल जो मिली ऐसी सजा, आरबीआई को मिली हैं ये गड़बड़ियां, पूरी डिटेल

भारतीय रिजर्व बैंक (RBI) ने पेटीएम पेमेंट्स बैंक (Paytm Payments Bank) पर कड़ा कदम उठाया है। मीडिया रिपोर्ट्स के मुताबिक, RBI ने पेटीएम में मनी लॉन्ड्रिंग और नो-योर-कस्टमर (KYC) से जुड़ी गड़बड़ियां देखी हैं। प्रेस विज्ञप्ति के अनुसार, कुछ महीने पहले RBI ने प्रवर्तन निदेशालय (ED) को पेटीएम में इस उल्लंघन की सूचना दी थी, लेकिन उल्लंघन जारी रहा। अब RBI ने पेटीएम पेमेंट्स बैंक पर प्रतिबंध लगा दिया है।

Read more: Paytm को मिला नया बैंकिंग पार्टनर, अब लेन-देन में नहीं होगी कोई भी परेशानी 

पेटीएम की कई सेवाएं 29 फरवरी से बंद होंगी और पेटीएम का पेमेंट बाजार में करीब 17% हिस्सा है। RBI के इस प्रतिबंध के परिणामस्वरूप, करोड़ों उपयोगकर्ताएं प्रभावित हो रहे हैं और इससे शेयरों में भारी गिरावट हो रही है। आज, पेटीएम के शेयर 10% की गिरावट के साथ 438.50 रुपये के निचले सर्किट पर ट्रेड किए जा रहे हैं। निवेशकों में इस निर्णय से संबंधित अधिकतम असमंजस है।

nse: paytm share today

पेटीएम पेमेंट बैंक पर क्यों हुई कार्रवाई:-

मीडिया रिपोर्ट्स के अनुसार, पेटीएम पेमेंट्स बैंक में लाखों खातों में केवाईसी का उल्लंघन हुआ था, जिससे बैंक को अपने ग्राहकों की पहचान में कठिनाई हो रही थी। इसका मतलब था कि बैंक को यह नहीं पता था कि वे कौन-कौन से ग्राहकों के साथ संबंधित थे, जिससे धोखाधड़ी और मनी लॉन्ड्रिंग का खतरा बढ़ जाता है। रिपोर्ट के अनुसार, पेटीएम पेमेंट्स बैंक लिमिटेड (PPBL) के पास लाखों ऐसे खाते थे जिनमें केवाईसी का पालन नहीं किया गया था। कई मामलों में, एक पैन कार्ड का इस्तेमाल करके कई खाते खोले गए थे। इन खातों में हुए लेन-देन में करोड़ों रुपये का विवाद है, जो नियमों के अनुसार अधिक था, जिससे मनी लॉन्ड्रिंग की आशंका उत्पन्न होती है। रिपोर्ट के अनुसार, पेटीएम पेमेंट्स बैंक के पास करीब 35 करोड़ ई-वॉलेट हैं, जिनमें से करीब 31 करोड़ निष्किय हैं। इसमें लाखों खाते ऐसे हैं जिनमें केवाईसी का अनुसरण नहीं किया गया है। इसके अलावा, RBI पर भी यह आरोप है कि पेटीएम पेमेंट्स बैंक ने गलत और अधूरी जानकारी प्रदान की है। इन खातों के माध्यम से संदिग्ध लेन-देन का पता चला है, जिसके आधार पर RBI ने कड़ा एक्शन लिया है। अब यदि कोई नई गलती सामने आती है तो इसे शीघ्रता से जांचा जाएगा।

आरबीआई ने ये पाबंदी लगााईं: –

रिजर्व बैंक ऑफ इंडिया (RBI) के अनुसार, पेटीएम की ऑडिट रिपोर्ट और बाहरी ऑडिटरों की रिपोर्ट में खुलासा हुआ है कि पेटीएम ने नियमों का लगातार उल्लंघन किया है। इसके बाद, पेटीएम पेमेंट्स बैंक पर बैंकिंग रेगुलेशन एक्ट के 35ए नियम के तहत कड़ा एक्शन लिया गया है। अब, 29 फरवरी के बाद, पेटीएम पेमेंट्स बैंक के ग्राहक कोई भी क्रेडिट-डिपॉजिट, ट्रांजेक्शन, फास्ट टैग, और ट्रांजेक्शन का इस्तेमाल नहीं कर पाएंगे। पेटीएम पेमेंट्स बैंक लिमिटेड के ग्राहक 29 फरवरी के बाद इसका इस्तेमाल नहीं कर पाएंगे। RBI ने पेटीएम को 15 मार्च तक नोडल अकाउंट सेटल करने के लिए निर्देशित किया है।

ये सर्विस रहेंगी चालू:-

सभी प्रतिबंध आरबीआई द्वारा पेटीएम पेमेंट्स बैंक पर लगाए गए हैं। इसलिए, पेटीएम क्यूआर, बीमा, कर्ज वितरण, साउंडबॉक्स, और कार्ड मशीन आदि की सभी सेवाएं इस प्रतिबंध का प्रभाव नहीं महसूस करेंगी। पेमेंट्स बैंक के सभी व्यापारिक क्षेत्रों को प्रभावित किया जाएगा। आरबीआई ने यह निर्देश दिया है कि पेटीएम को अपने ग्राहकों को उनके बैलेंस निकालने और इसका इस्तेमाल करने के लिए पूरी सुविधा प्रदान की जाए। यह सुविधा उन ग्राहकों के लिए भी होगी जिनके पास पेटीएम के सेविंग्स और करेंट अकाउंट हैं या जो फास्ट टैग का उपयोग कर रहे हैं। पेटीएम की सभी सेवाएं 29 फरवरी के बाद आम तौर से कार्य करती रहेंगी।

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